CSL Finance Limited has informed the Exchange about Investor Presentation
CSLFINANCE · price
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CSL Finance reported Q3FY26 AUM of ₹1,460 crore, up 27% year-on-year, with disbursements also growing 27% YoY to ₹357 crore. Net Interest Income rose 18% YoY to ₹41.4 crore and Profit After Tax grew 25% YoY to ₹20.9 crore, though PAT fell 14% sequentially. Asset quality weakened notably — Gross NPA jumped to 1.00% (from 0.38% a year ago) and Net NPA rose to 0.75%, partly due to revised RBI provisioning norms and slower NPA resolutions. The AUM mix shifted further towards Wholesale (now 31:69 SME:Wholesale) as SME Retail disbursements underperformed internal expectations. The company reaffirmed its full-year AUM target of ₹1,500–1,600 crore, onboarded two new lenders (SBM Bank, Punjab & Sind Bank), and highlighted its upgraded credit rating of A- | Stable, a healthy capital adequacy of 43%, and ample liquidity of ₹135 crore.
Shareholders will note the strong YoY growth in AUM, NII and PAT, but the sharp rise in NPAs and the sequential drop in PAT signal asset quality stress, especially in the SME Retail book. The reaffirmed AUM guidance and credit rating upgrade are positives, but near-term profitability may remain under pressure until SME Retail returns to a growth path and NPA resolutions improve.